Spectra Yellow

Financial Wellbeing

Helping you manage your money to achieve a happy and prosperous life.

Do you know how to maximise your earnings and make the most of your money?

This programme will help you learn how to manage your money and produce a personal finance plan to support the cost of your life goals. Helping you to determine what you need to earn, borrow, invest, spend and save to live a happy life.

Learning about your own behaviours and values and the impact they have on your finances and money management. You will learn how to plan your finances, link them to your life and career goals, budget, manage your money, save and invest and avoid or manage debt. Also covering business finance and starting a business.

What the Spectra Yellow Programme covers

Delivered in groups or on a one to one by a financial coach.

• Being confident about money
• The cost of living
• Financial planning
• Understanding money management
• Budgeting
• Investing
• Saving
• Debt management
• Buying a property
• Business finance
• Starting a business
• Developing a healthy attitude to money
• Managing debt
• Setting realistic earning goals
• Borrowing money wisely
• Saving for the future
• Creating a retirement and pension plan
• Producing a personal finance plan
• Overcoming bad habits